Real Estate Investing in Ludlow, Missouri (64656)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 64656 (Ludlow, MO)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 30.1% of homes vacant — above national norms.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Ludlow, MO (64656)?
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Market Analysis: 64656 Ludlow
This part of Livingston is not an easy win. The 64656 ZIP clocks in at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Distressed markets are won on execution, not on spreadsheets. ZIP 64656 clocks in at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
The gap between 64656 and stronger Ludlow ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
The demographic picture in 64656 includes headwinds that any investor should price in. Income distribution skews lower than Ludlow averages, and tenant stability requires active management.
The right play in 64656 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Ludlow:
Market Trends
Home Value History (with trend line)
📊 How Does 64656 Compare?
| Metric | 64656 | Ludlow | Missouri |
|---|---|---|---|
| Home Value | $175,199 | $175,199 | $254,657 |
| 5-Year CAGR | 5.7% | 5.7% | 7.0% |
| Avg Rent | $801 | $801 | - |
| Cap Rate | 3.6% | 3.6% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 64656 (Ludlow, MO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $175,199 |
| Monthly Rent | $801 |
| Price-to-Rent | 18.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.5% |
| Cap Rate | 3.6% |
| 5-Year IRR | 9.3% |
📈 Home Appreciation
| 1-Year | +7.0% ▲ |
| 3-Year CAGR | +5.8% ▲ |
| 5-Year CAGR | +5.7% ▲ |
| 10-Year CAGR | N/A |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.6%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 64656
Population: 216
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 64656
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
How viable is house hacking in Ludlow, MO?
House hacking in Ludlow, MO is a challenging. With home values around $175K and rents at $801/mo, owner-occupants can offset a meaningful share of PITI.
Which real estate strategy fits Ludlow, MO?
The best-fit strategy in Ludlow, MO is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
How do home values compare in Ludlow, MO?
In Ludlow, MO the median home value sits at $175K. Against the broader MO market, that reads as reasonable for most investors.
Is Ludlow, MO landlord-friendly?
MO ranks as a landlord-friendly state for landlord-tenant law. Ludlow generally follows the statewide framework, so landlords face reasonable operating rules.
What do landlords charge for rent in Ludlow, MO?
Expect rents around $801/mo per month in Ludlow, MO. With home values at $175K, the yield math works out to reasonable levels for rental investors.
You know 64656 now. You don’t know where it ranks.
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